Senior Relationship Banker - Arcade Branch

M&T Bank•Arcade, NY

14d•Onsite

About The Position

The Senior Relationship Banker identifies customer needs through the bank’s retail sales process and provides proactive sales solutions for basic and complex customer needs. The role specializes in the branch customer experience across retail and business sales interactions and is a key driver of business growth through proactive sales opportunity identification and portfolio management. The position works with more complex business customers and partners with appropriate areas of the bank to resolve customer needs and service issues promptly, accurately, and completely. The role requires a sophisticated understanding of transactional, savings, retirement, and protection needs. The banker stays current on operational, product, and system changes and makes sound risk-management decisions to help prevent losses and reduce fraud. The position is responsible for meeting and maintaining registration requirements under the Federal SAFE Act.

Requirements

High school diploma or equivalent (GED) and at least 3 years of proven retail sales, call center, customer service, and/or telesales experience; alternatively, a high school diploma or equivalent (GED) and at least 2 years of proven proactive sales experience.
Strong verbal communication and interpersonal skills.
Proven ability to provide exceptional customer service.
Strong organization, time management, and prioritization skills.
Demonstrated financial services product knowledge.
Ability to communicate tactfully and diplomatically with internal and external customers.
Proficiency with internet user-level technology.
Ability to meet and maintain registration requirements under the Federal SAFE Act.
Ability to stand for long periods.
Prolonged use of hands and fingers.
Ability to lift objects weighing 5 to 30 pounds.
Ability to read fine print.
Ability to interact with customers in an open, face-to-face work environment.
Ability to use a fax, telephone system, copier, and other communication tools.

Nice To Haves

Associate degree.
Notary public license.
At least 3 years of financial services sales experience.
Bilingual ability, based on branch needs.

Responsibilities

Develop new customer relationships and expand and retain existing relationships by proactively identifying opportunities through portfolio management and the bank’s sales process, meeting personal sales and referral goals.
Perform relationship-management activities, including customer assessments, sales-opportunity profiling, account opening, and lead-focused outbound calling.
Carry out sales-process activities, including profile and pre-call planning, outreach, appointment preparation, customer interactions, and follow-up.
Apply risk-management practices, including audit requirements, fraud prevention, Know Your Customer (KYC), and Customer Information Profile (CIP) requirements.
Follow up with clients after prior interactions to advance their development plans based on identified needs.
Develop knowledge of Business Banking products and services.
Evaluate financing requests, recommend loan structures, and submit complete loan application packages.
Research and provide industry knowledge, including through resources such as Vertical IQ.
Explain processes, services, and products, including interest expense, amortization schedules, consumer debt scenarios, Mortgage/HELOC, Business Banking, Treasury Management, and Merchant Services products.
Attend community networking events and develop relationships with Centers of Influence to generate referrals.
Liaise with business partners to provide retail product solutions, including cross-selling retail products to business owners.
Build relationships with non-branch business partners, such as business bankers and mortgage loan originators.
Perform basic sales duties and, in some branches, solicit new Business Banking relationships through outbound prospecting and a consultative sales approach.
Adhere to applicable compliance and operational risk controls and Company and regulatory standards and policies.
Promote an environment that supports belonging and reflects the M&T Bank brand.
Maintain M&T internal control standards, including timely implementation of internal and external audit points and applicable issues raised by external regulators.
Stay current on operational, product, and system changes and enhancements, and make sound risk-management decisions to help manage preventable losses and reduce fraudulent activity.
Complete other related duties as assigned.
Meet and maintain Federal SAFE Act registration requirements.